Reader Mail

May 2006 - Posts

I recently switched jobs and decided to get my own insurance. The company that insured my wife, daughter and myself would not insure my son due to a lung infection he had earlier this year. They said he needs to be healthy for 3 months. He is a healthy Read More...
Posted on May 30,2006

Is there a list online of heath insurance companies? I would like become a provider. What that means is that I'm looking to get in their list of health professionals. I am a drug and alcohol counselor.   Answer:   If you are from Canada, you are in luck! Read More...
Posted on May 30,2006

I am writing you in regards to a problem I am having. On the day after Thanksgiving 2005, I co-signed for my son to have a car. Everything went fine while at the dealership. I amd my son were told the car was covered and he could drive it. So this he Read More...
Posted on May 30,2006

I have recently been looking to change my auto insurance and was wondering if you knew of a site or reference that may be out there that gives the latest statistics on insurance companies and their customer service.  Just something for me look to at and Read More...
Posted on May 30,2006

In 1987 my grandfather and I had policies purchased for the two of us. He has since passed, yet I am unaware of whom the policy was with. Is there a list of all the insurance companies so that I can contact them concerning this issue or do you know a Read More...
Posted on May 30,2006

I am presently enrolled with Humana Choice Care Network. I have been getting the runaround regarding a copy of a cancelled check, with which Humana says it paid for a service. Humana informed me that a copied check was being sent to the provider. When I Read More...
Posted on May 30,2006

I recently got into a car accident and was wondering is there anyway I can find out the insurance company name if I have their policy number, the name of the person who hit me, and the tag number?   Answer: This could be a difficult situation. A policy Read More...
Posted on May 30,2006

How do I lodge a complaint against an insurance broker and the insurance company in the state of New York? Are there any sites online to do this? If not, then where do I send my letter of complaint?   Answer: I would start with your insurance company Read More...
Posted on May 30,2006

I am looking for some sort of listing of agencies that specialize in auto repair liability insurance and/or insurance for a salvage yard.   Answer: I'm not aware of such a specialized list. However, you can always check with your Department of Insurance Read More...
Posted on May 30,2006

What will be the disposition of the face amount of a policy upon the demise of the insured if there is no named beneficiary?   Answer: If there is no named beneficiary on a policy, the disposition should be to the insured's estate. However, if you have Read More...
Posted on May 30,2006

I am writing to you to see how to obtain crop insurance for a two acre blueberry farm. We have a contract with Driscoll. They are widely known for their strawberries / blueberries. I appreciate any information that can be sent or emailed.   Answer: I'd Read More...
Posted on May 30,2006

How can I go about finding out what insurance company bought out my father's insurance policy's company? He had a policy with the Independent Life Insurance Company.   Answer: We've tackled this question in the past. It's a tough one, but it will likely Read More...
Posted on May 30,2006

I have a couple of Accidental Death, Dismemberment and Loss of Sight Benefit policies. I got them with some loans I applied for. They are paid in full. Is there any way I can cash them in?   Answer: The only way that you can "cash in" on these policies Read More...
Posted on May 30,2006

My husband just signed us up recently and XYZ Dental now covers the whole family. Unfortunately, I have not received a card or any verification for the dentist's office and want to see a dentist now. My husband signed us up about 3 weeks ago. What should Read More...
Posted on May 30,2006

Where can I find which doctors accept Humana in a specific zip code or location?   Answer: Your best bet is to contact Humana and get them to help you out. If anyone has a current list of physicians that are enrolled with them, Humana will have that. 0 Read More...
Posted on May 30,2006

Is it legal for a car or home insurance company doing business in PA to base premium rates on an individual's credit rating? If so, why? Who is responsible for allowing this disgraceful gouging of those that do not have a perfect credit rating? If an Read More...
Posted on May 30,2006

I have a question regarding dental insurance. My ex daughter-in-law has custody of my two grandchildren. She has remarried and the grandchildren are covered under her husband's military insurance. My son also has dental insurance with his employer and Read More...
Posted on May 30,2006

I just got married and my insurance agent told me that my wife and I both have to have our cars on the same policy because we live in Washington state. Apparently, Washington is a common property state. Currently we have coverage from two different Read More...
Posted on May 30,2006

My uncle died during hurricane Katrina because he didn't evacuate. I need to know if there is a database that will allow me to know what insurance was on his house. Since his death, the contents of his house were under water and the family has been Read More...
Posted on May 30,2006

I will be required to obtain Public Liability Insurance for my school. Where do I find companies that insure schools?   Answer: You can certainly do some research on the Internet use our search box to get started. It can save you a lot of time. I'd also Read More...
Posted on May 30,2006

The company that carried my insurance for underground oil tank (residence) no longer writes such insurance. Can you direct me to a company that does?   Answer: While I won't direct you to an insurance company, I will suggest some ways that you can find Read More...
Posted on May 30,2006

Is there a market for liability insurance out there regarding Pit Bull attacks?   Answer: Absolutely! Some people love these dogs and yet find that they cannot get insurance that will cover them in the event that their animal is found to have bitten Read More...
Posted on May 30,2006

My car was totalled by the car parked next to me when it caught on fire. We both only had PL/PD coverage. His insurance claims they are not liable for my loss because it was not his fault that his car fire destroyed my vehicle. The insurance company did Read More...
Posted on May 30,2006

I have a friend who frequently visits the US for personal and business purposes. We would like to know what types of insurance are available and if you have any recommendations.   Answer: If you are travelling frequently from one country to another, you Read More...
Posted on May 30,2006

My father needs to have a respiratory investigation due to an X-ray showing scarring on his lungs. We have all booked to go to Florida in December and his doctor has told him to go.  My dad tried to get insurance and was quoted £1600 because the Read More...
Posted on May 30,2006

A good friend of mine asked me a question yesterday. Her husband has been ill, and has been very depressed. They do have some kind of "life insurance," though I'm not sure exactly what it is. She is beginning to fear that if her husband's illness worsens Read More...
Posted on May 30,2006

My father needs to have a respiratory investigation due to an X-ray showing scarring on his lungs. We have all booked to go to Florida in December and his doctor has told him to go.  My dad tried to get insurance and was quoted £1600 because the Read More...
Posted on May 30,2006

My mother has just conquered breast cancer for the second time. She wants to get life insurance, but can't find anyone to insure her. Is there anyone out there?   Answer: Congratulations on your mother's return to health after a second bout with cancer. Read More...
Posted on May 30,2006

I live in the Boca Raton and my car has just been damaged beyond repair due to the latest hurricane. I only have one-way insurance and therefore lost the car without any compensation. The damage was not caused by the hurricane directly, but by a big huge Read More...
Posted on May 30,2006

I have heard the terms "SR 2" and "SR 11" in discussions about vehicle insurance in California, but I am not sure what this means. Is there a place where I can look up the definitions of such things?   Answer: I'd suggest your local Department of Read More...
Posted on May 30,2006

There is an insurance agency by the name of Smart Health Care Insurance and the agency is trying to sell me insurance. Before I purchase the insurance I want to know whether or not this is a scam.   Answer: It's wise to check into the background of an Read More...
Posted on May 30,2006

This may seem like a silly question, but does homeowners insurance provide any coverage for the homeowner who gets hurt at home?   Answer: It depends on your policy. Check your liability coverage to be sure. However, it's not likely that you would have Read More...
Posted on May 30,2006

My husband has started to work as a sub-contractor (carpenter). He's been told that he should buy carpenter insurance. I have no idea what kind of insurance it should be and where we can buy it. Answer: What your husband needs is insurance on himself as Read More...
Posted on May 30,2006

I want to do educational programs for local middle schools using hawks and owls that are under my control and held on my glove with tethers. Are there any companies that provide this kind of insurance?   Answer: I'm sure that you can get this kind of Read More...
Posted on May 30,2006

I'm trying to find a website that compares the reputation of auto insurers in their handling of claims as well as their rates. Can you help?   Answer: I'm not aware of a specific site that does this, although you could always check with your local Better Read More...
Posted on May 30,2006

I am looking for insurance coverage [liability] for my Mazda 323 Se. The car is already in Europe and I am planning to use it starting November 1st. The car has an Ontario licence plate.   Answer: When you get to Europe, you will have to get local Read More...
Posted on May 30,2006

At the end of the month I am planning to move in with my fiancé. When giving our info to my insurance company they wanted my fiancé's driver's licence number, social security number and previous insurance info. My fiancé has lived in Manhattan Read More...
Posted on May 30,2006

I have a small holistic sound healing business. My clients come to my home for treatment (only a few per week), but I also tour giving sound healing concerts. (Normally I drive my truck). This means I have some sound and light equipment, some musical Read More...
Posted on May 30,2006

My stepdaughter just received her driver's license. We are not her custodial parents. She comes to our house every other weekend and one day during the opposite weeks. I have a car that belongs to me that I want to let her drive. I have been told that I Read More...
Posted on May 30,2006

I need a homeowner's policy for a new built home in Naples, Florida. I cannot find a carrier that will cover my two Rottweilers. Any help or direction would be very appreciated.   Answer: Many insurers are now refusing to insure homeowners with dangerous Read More...
Posted on May 30,2006

Please help me find Continental American Life Insurance Co. I have a life insurance policy since 1958 and cannot find any information on how to contact them.   Answer: This is a very common problem, and will require you to hire a business research person Read More...
Posted on May 30,2006

I am looking for an insurance company that will issue me a liability policy to include everything, such as my home, my car, etc. I want a flat amount of coverage for a flat amount per year. Are they are out there?   Answer: Yes, they are. The kind of Read More...
Posted on May 30,2006

I am about to embark on a surrogacy arrangement in the United States. I wish to insure for post-birth medical emergencies for up to a week should they arise. I am the biological father and therefore have an insurable interest. All pre-birth medical Read More...
Posted on May 30,2006

When a storm is near to Florida at what time is it called "in the box"? At what time before a storm do the insurance companies stop writing policies?   Answer: I'm not sure what the meteorological standard is for calling a storm "in the box." However, it Read More...
Posted on May 30,2006

 I have renters insurance that I have made a claim against. The problem is I am making a claim against another tenant, whose name was also on the policy. I paid for the policy, but the woman who lived with me had me removed from the house after stealing Read More...
Posted on May 30,2006

We are a small HOA (193 lots) that is looking for insurance that will cover volunteers (primarily committee members, but not Board members.) Any ideas?   Answer: What you need is Liability Insurance for your committee members. Most HOAs provide this for Read More...
Posted on May 30,2006

My wife and I sell imported goods, from China, at the local Farmers Market on the big island of Hawaii. We have a business license and have been selling there for about 3 years. Some of the vendors who sell there have storage buildings. Our business has Read More...
Posted on May 30,2006

How do I find out the status of a pending claim?   Answer: Your best bet is to contact your insurance company. If you aren't getting information regarding your claim or you feel that you are being deliberately "put off" you may need to consult with a Read More...
Posted on May 30,2006

I received a credit from XYZ Insurance Co. for car insurance stating I was overcharged because the wrong territory was on the policy. The refund was for last year and part of this year. When questioned about previous years, I was told they could not go Read More...
Posted on May 30,2006

My policy has been lost or stolen. How can I replace it? Answer: The first thing you need to do is contact the company you have the policy with. Each company may have slightly different rules for the replacement of a policy, but at a minimum you should Read More...
Posted on May 30,2006

Wellmark Blue Cross and Blue Shield of Iowa are offering three new Medicare Prescription policies. Please explain what they mean by co-pay and/or coinsurance. What does 30% coinsurance mean?   Answer: Co-payment is a fixed amount paid by the member for Read More...
Posted on May 30,2006

Can I view my insurance policy online and email someone about changes I'd like to make?   Answer: This depends completely on your insurance provider. Some companies will allow such reviews and changes to be done online and some require that you speak Read More...
Posted on May 30,2006

Can you please help me with what the term "grandfather clause" means in reference to a homeowner's insurance policy? I can't seem to find any information on this term.   Answer: The term "grandfather clause" normally refers to a condition of your Read More...
Posted on May 30,2006

My insurance company will no longer service Florida. I have been getting quotes that are three times what I have been paying for insurance. How do I hold on to my home and pay these big premiums? I am retired and living on a fixed income. I do not want Read More...
Posted on May 30,2006

Do any of the insurance companies provide insurance for a specific time that has already passed? For instance, if your homeowners insurance lapsed for 2 months and insurance is needed (because the mortgage company's coverage is astronomically expensive) Read More...
Posted on May 30,2006

I am paying a policy by automatic monthly payment and think I have lost the insurance name. How can I track the insurance company down? I know it is life insurance, but don't know which one. Can you give me some advice?   Answer: We get lots of requests Read More...
Posted on May 30,2006

Can you direct me to an insurance company that will insure my photo equipment? Replacement value is about $6K. I don't do any commercial work. It's just a hobby, albeit an expensive one. In addition, my wife and I are going to Japan in November for two Read More...
Posted on May 30,2006

Is there such a thing as DRIVER insurance as opposed to CAR insurance? My husband's employer does not insure the vehicle he drives for them. (We can't report this; my husband would be fired.) I wanted to maybe get insurance for HIM driving a vehicle - Read More...
Posted on May 30,2006

We live in a historical house in Ontario, Canada. For some ridiculous reason our insurance company has decided to drop the account, citing that it is "high risk". I have no comprehension of their thinking considering that 22 years ago it burned down and Read More...
Posted on May 30,2006

We are looking for a homeowner's insurance policy that will satisfy a lender's requirement for a recreational home that is off the electrical grid (solar powered with back-up diesel generators) and on a road that is not currently plowed for snow in the Read More...
Posted on May 30,2006

Do you know of companies that will insure a driver on their learner's permit? I just need it long enough to get a car in my name, so I can practice and get my license!   Answer: This depends greatly on the insurance company and even the state. It seems Read More...
Posted on May 30,2006

I'm looking for info on condo insurance that the association who owns my building would purchase. I need to know what is available and where I might go to get some quotes.    Answer: In most cases, a property manager or property management company will Read More...
Posted on May 30,2006

We were insured drivers; then we were put under a temporary binder insurance coverage, while the insurance company was waiting for certain documents from me. I was unable to produce them and the binder expired. My question is how long we have to get Read More...
Posted on May 30,2006

My home in Navarre, Fla., was destroyed in Hurricane Ivan. When applying for a building permit I was informed that the property is in a Coastal Barrier Resource Area and therefore not eligible for flood insurance thru the NFIP. This was a total shock to Read More...
Posted on May 30,2006

I will be taking a trip in August with a Princeton group traveling from Venice to Croatia along the coast on a sailing ship. The cancellation insurance I have been quoted is $800, for a trip that costs $8,000. I am 72 years of age; perhaps that is the Read More...
Posted on May 30,2006

I am currently a full-time student at Coventry University. I have just started my first year and I have moved into a university-managed house in Coventry. I have taken my car to school with me, as I wanted an easy way to travel back home to my parents' Read More...
Posted on May 30,2006

I am planning on moving to Florida next month and have a question on homeowners insurance. Does Florida homeowners' liability does provide coverage for: 1. Inboard boats owned by the insured? 2. Partial rental of the residence? 3. Vehicles designed to Read More...
Posted on May 30,2006

Can you still get HO-B insurance on a home in Texas? If so, how do you find an agent who sells it?   Answer: If you want to know if a certain type of policy is available in a particular state, your best resource is that state's Department of Insurance or Read More...
Posted on May 30,2006

What is the "Accumulation Period" mean on a disability policy?   Answer: The accumulation period is the period of time during which premiums are paid and before which you cannot make a claim. The accumulation period ends when the payout period begins. 0 Read More...
Posted on May 30,2006

How do I find a sample HO-3 policy to review on the Internet?   Answer: I've never seen a "sample" HO-3 policy on the Internet. The main reason for that would be that the standard policy is likely to differ somewhat from state to state, and from company Read More...
Posted on May 30,2006

I want to know if I can insure my voice. My work is done solely on the telephone and to lose my voice or damage it would bring my income to an abrupt halt. Is there some kind of insurance I can get in case something like this should happen?   Answer: If Read More...
Posted on May 30,2006

I live in the province of Ontario and I am wondering what happens if someone drives my car that is not named on my insurance? This person may be considered high risk (due to a series of minor traffic violations). What happens to them if pulled over and Read More...
Posted on May 30,2006

The state of Florida (Palm Beach County) has free health insurance for those who have no income because of a physical problem. You have to qualify by income and ability to work. Does the state of Tennessee have such a program?   Answer: Most states have Read More...
Posted on May 30,2006

Who can I make a complaint to about XYZ Insurance?   Answer: If you have a complaint about your insurer, you can contact a number of organizations: Your Insurance Commissioner The Better Business Bureau The National Association of Insurance Commissioners Read More...
Posted on May 30,2006

Are there any companies out there that will give you insurance on non-secure loans? I am getting ready to get a loan through Sallie Mae for $100,000 for flight school. In order for me to get the loan I will need a co-signer because I am young and have no Read More...
Posted on May 30,2006

Do you know of any agencies that provide this type of insurance? We have multiple employees with multiple types of PDAs and/or cell phones, laptops, etc. and we want to try to get coverage for them.   Answer: As far as I know, this is straight-ahead Read More...
Posted on May 30,2006

I am trying to find out how to list antique furniture on my flood insurance claim after Hurricane Katrina. I have some furniture that is 2-months-old and some 160-year-old antiques. Since FEMA is lumping all furniture together from each room, my antiques Read More...
Posted on May 30,2006

If you have an equitable interest in a boat (contributed towards purchase), but are not listed on the title as an owner, is it still possible to obtain an umbrella policy to protect your assets? If not, what other protections would there be?   Answer: I Read More...
Posted on May 30,2006

My sister lives in Gulfport and had 7-feet of water in her home during Hurricane Katrina. The State Farm insurance adjuster told her that her flood insurance policy does not cover anything in her home, that she does not have flood coverage for her Read More...
Posted on May 30,2006

I have a friend that doesn't have renters' insurance. Recently, something happened upstairs and my friend had hot water everywhere in her place. It damaged the apartment, but also a lot of her personal things. Is it the landlord's responsibility to get Read More...
Posted on May 30,2006

If you have an equitable interest in a boat (contributed towards purchase), but are not listed on the title as an owner, is it still possible to obtain an umbrella policy to protect your assets? If not, what other protections would there be?   Answer: I Read More...
Posted on May 30,2006

I am having trouble finding home insurance because I have 17 dogs. They are just pets. Is there another type of insurance like kennel insurance or something else I can try to get my home insured? I would appreciate any advice on the subject.   Answer: I Read More...
Posted on May 30,2006

I have a friend that doesn't have renters' insurance. Recently, something happened upstairs and my friend had hot water everywhere in her place. It damaged the apartment, but also a lot of her personal things. Is it the landlord's responsibility to get Read More...
Posted on May 30,2006

I have a small travel business in my home and have Errors & Omission coverage at a very expensive rate per year, though I've never had to use it in 20 years for the business or otherwise. Is there a "reasonable" alternative to this situation?   Answer: Read More...
Posted on May 30,2006

I have been paying insurance on my Grand Am for 5 years. I am divorced. My ex-husband let our 24-year old son drive his truck. My son has had several accidents and speeding tickets while driving my ex-husband's truck. Lately, my insurance went up because Read More...
Posted on May 30,2006

Can you please advise whether there is anything in writing that states that a motor vehicle can only be insured by the registered owner of the vehicle or is this a myth?   Answer: It's not a myth. Most insurance companies will not allow you to insure a Read More...
Posted on May 30,2006

Is it legal for an insurance company to make you insure your home for more than it is worth? Do you have to do this? How much notice do they have to give you of an increase in your rate?   Answer: I have never heard of this. I can only assume that if the Read More...
Posted on May 30,2006

I'm locked in a battle with my insurance company over a recent claim. My parked car was damaged by roughhousing, drunk passers-by and I filed a claim with my insurer. After a short time, the insurance company made the decision to include the claim under Read More...
Posted on May 30,2006

I lived in Waveland, Miss., and my home was completely flooded with sewage water. I was told I didn't need flood insurance because I wasn't in a flood zone. I was wondering if this damage will be covered being as I was told I didn't need it?   Answer: Read More...
Posted on May 30,2006

I live in a fee simple townhouse. The Board of Directors 10 years ago thought it made sense to get a master insurance policy for the buildings and units and have each individual unit owner purchase a H06 to cover their personal belongings. The unit Read More...
Posted on May 30,2006

Can an insurance agent tell you someone cannot spend the night at your house? He said it was because the owners had five claims since 1981; one was a house fire. However, that house fire was determined to be the cause of old wiring.   Answer: I have Read More...
Posted on May 30,2006

We plan to dissolve a defined benefit retirement plan and will have about $1.7 million that we would like to deposit in one bank account. Is there any insurance we can get to cover this amount in a bank deposit?   Answer: I'm not aware of insurance that Read More...
Posted on May 30,2006

What is the "grace period" from the time your child receives their learners' permit for being covered under your own insurance? In other words, if they received their permit on Friday evening late can they drive and be insured? Are they automatically Read More...
Posted on May 30,2006

My son lost his eye in an accident and he has an eye made by an ocularist that is similar to a contact lens. It fits over an implanted orbit in the eye socket. It cost over $3,000 to make this prosthesis. Is there any type of insurance available if it Read More...
Posted on May 30,2006

I own 13+ acres of land in upstate New York and there are no buildings on the property. I have experienced hunters on the property during deer season and would like to have insurance to cover the possibility of someone getting hurt. I have been told that Read More...
Posted on May 30,2006

I am from Eastern North Carolina and I have damages due to the recent hurricane. My roof is leaking and my chimney is falling apart. Should I report this to my insurance provider, which is the National Flood Insurance Program?   Answer: I would. While Read More...
Posted on May 30,2006

I am purchasing a 2003 Kubota L35 tractor; my bank wants coverage on the unit while the loan is active. I'm having trouble finding coverage. It is not for agricultural use. It is for general home chores such as plowing snow and landscaping. Answer: Is Read More...
Posted on May 30,2006

I live in Michigan. One neighbor says that I do not need insurance or plates on golf carts and the other neighbor says I do because it's a moving, gas propelled, 4-wheeled vehicle. Please clarify: does homeowners insurance cover RV vehicles like golf Read More...
Posted on May 30,2006

I own a small photography studio with six employees, but it is in the start-up mode. If I become disabled and can't shoot in the field, but can work at a computer, can I claim partial disability? I would have to hire another photographer to cover my Read More...
Posted on May 30,2006

Do you know where I can get insurance on my sound system for my car? I have about $2500 invested into it and just don't want it stolen from me. I do have a car alarm as well.   Answer: If you are worried about expensive "add-ons" to your vehicle, you Read More...
Posted on May 30,2006

Can insurance carriers still use your credit rating to base your premiums or choose not to offer you homeowners insurance in the state of Indiana? Answer: Credit rating has become another factor in how insurance companies determine "risk" when they look Read More...
Posted on May 30,2006

I'm looking for homeowners insurance. I haven't had it for 2 years now because no one would insure me. I couldn't get it because I hadn't had it and so I was in a real bind. Also my credit rating is not that good. And now I'm hearing that I can't get Read More...
Posted on May 30,2006

I will be attending a school in Florida and am seeking health insurance for one year. I am in excellent health according to my last check-up last month. My question is, is there any government agencies that assist students in acquiring health insurance? Read More...
Posted on May 30,2006

Is it true that there is no insurance coverage for vehicle or property damage if you are convicted of being over the legal alcohol limit? A friend in Ontario had a single vehicle accident, was an insured driver on the policy, hit a hydro pole and damaged Read More...
Posted on May 30,2006

I heard through a friend that there is a Texas insurance fund out there to help people when in an accident and the other person does not carry any insurance. Is there such a thing? My car was a total loss, so I was just inquiring.   Answer: I believe Read More...
Posted on May 30,2006

My father has suffered from two heart attacks and recently had viral meningitis. He is currently unemployed and is not in any shape to work. What would be my first steps to get him long-term disability? How long does it take for him to get approval? He Read More...
Posted on May 30,2006

I'm looking into buying insurance for a welcome service business I am starting. In addition to general liability, I've been told I should purchase "advertising" insurance because of the nature of my business. (I will be delivering gift bags full of Read More...
Posted on May 30,2006

I have a client who owned a large insurance company. He says you do not need to add a dependent to your insurance. According to the policy that his company provided, anyone who is a resident of the household and has a license is covered under the master Read More...
Posted on May 30,2006

I'm looking to insure my still camera package worth about $10,000. What is the policy/type of insurance for me? Ideally, I'd like to have a policy that can expand as I add on to my package.   Answer: Unless you are using this equipment for commercial Read More...
Posted on May 30,2006

Now that FEMA has to pay for Katrina will I ever be able to afford any kind of flood insurance? I've been putting off buying it for four years.   Answer: Unfortunately, this is the question of the day. I can't tell you what the increase in the cost of Read More...
Posted on May 30,2006

Does homeowners' insurance cover flood damage due to a hurricane? In other words, if the proximate cause of the water damage is actually wind, does homeowners insurance cover it, or is it covered by flood insurance or is it somehow split?   Answer: This Read More...
Posted on May 30,2006

I am starting a pest control company. I will not be hiring anyone, but eventually my husband will be working with me. I have no knowledge of insurance needs. What coverages "must" I have and what coverages will an agent insist I should have, but I don't Read More...
Posted on May 30,2006

Is there a type of insurance that I can get to cover some of my household expenses if I am laid off for a month or so?     Answer: This is what unemployment insurance is supposed to do for you. However, as we know, unemployment insurance is usually a Read More...
Posted on May 30,2006

How do I find out if someone is a licensed insurance agent?   Answer: Check with your state's department of insurance. If you can find out this information, it will be through them. 0 comments Read More...
Posted on May 30,2006

I have been trying to find a number for Prudential Life Insurance Company but I cannot find any number listed in Nashville Tn. I am trying to contact a person about an old policy(probably 75 years old). My father took it out on me when I was a child. If Read More...
Posted on May 29,2006

I need a phone number to call. My mother had a life insurance policy with Equitable Life. She recently passed away.   Answer:   Depending on the type of life insurance she had, there will be different contact numbers. Check out their "Contact Us" page at Read More...
Posted on May 29,2006

I'm not sure if this is where I need to go with this. I have a $19.46 amt that is coming out of my bank acct from the above company. I call their 800 number and am told they don't have a policy for me. I've tried faxing 3 times and am getting no Read More...
Posted on May 29,2006

My mother in law passed away Jan. 1, 2006.  In going through her papers I found two insurance policies. My question is: are these still good?  The will is in probate and I need to find out as much information as I can, so the estate can be closed. Read More...
Posted on May 29,2006

How can I get to the site for AARP Medicare Part D? Answer: If you do a search on the words "AARP" and "Medicare Part D", you will find the following webpage: http://www.aarpmedicarerx.com/ At this page, I found information on AARP MedicareRx Plan, which Read More...
Posted on May 29,2006

My dad has Humana Health Insurance and I was wondering if there is a website that will give me tips on how to stop smoking.   Answer:   In fact, Humana has sponsored a number of national initiatives to help people stop smoking. As a result, I found a Read More...
Posted on May 27,2006

I am trying to contact someone with Washington National Insurance.  Can you give me a phone number?   Answer:   I found a lot of interesting information on Washington National Insurance, including contact information, and I found it at the website of the Read More...
Posted on May 27,2006

Can you please tell me if a certain Sun Life Insurance Policy Number is still in effect? Answer: No... This is something that you will need to contact Sun Life directly about. In most cases, only the policy holder and/or beneficiary is entitled to such Read More...
Posted on May 27,2006

I would like a phone number to inquire about a Life policy on my dad. I have been taking care of him for 2 years. I know he has a policy with Liberty Life and I need to speak with someone regarding it. I would appreciate your help. Answer: In most cases, Read More...
Posted on May 27,2006

Is windshield damage covered 100% in the state of Ohio like it is in Kentucky?   Answer:   Every car insurance policy has some amount of windshield coverage. In some cases, depending on the insurer, you can only claim for windshield damage a certain Read More...
Posted on May 26,2006

I am writing a paper for my MBA class on Gender Identity Disorder and Sex Change Surgery. I would like to know if there are any kind of insurance benefits available for the surgical procedure? Answer: Most health insurance policies do not include any Read More...
Posted on May 26,2006

On November 20, 2005, my son was killed in a horrific accident in Alberta, Canada.  He was driving a big semi and it rolled and he was killed.  I know he had a huge life insurance policy; he told me that before he ever left, (but he never told me with Read More...
Posted on May 26,2006

I'm a 32-year-old female and have been diagnosed with sarcodosis. I'm in excellent health otherwise and I am taking an extremely low dose of prednisone for the condition. However, I have been turned down for life insurance. What are my options?   Answer: Read More...
Posted on May 26,2006

I should like to know what insurance I can purchase that will protect me against charges/lawsuits when I am a member of the board of directors of a townhouse association, or when I am the trustee of a trust. Does such insurance protect me against legal Read More...
Posted on May 26,2006

Is there a general rule for the amount of time to keep collision and comprehensive coverage on a vehicle?     Answer: Personally, I would only keep collision on a newer vehicle. Once the vehicle is quite old, I would take collision off and take my Read More...
Posted on May 26,2006

Why is my social security number required to get a quote for auto and home insurance?   Answer: Many companies use your social security number in order to ensure that they can do an accurate credit check on you. After all, your social security number is Read More...
Posted on May 26,2006

I would like to know if an inmate could obtain life insurance while incarcerated?   Answer: Based on what I know, I wouldn't think that you could get insurance for either health or life while incarcerated because of the amount of risk. If the person has Read More...
Posted on May 26,2006

Can you direct me to insurance coverage for churches or synagogues?    Answer: If you are interested in this kind of insurance, I personally would check with other churches and religious meeting places in your area and see if they would be willing to Read More...
Posted on May 26,2006

I don't have a car currently. I am moving to Los Angeles for a couple of months and am renting a car from a rental company. I can't afford the insurance they offer and am curious if I have any other options. Is it possible to get a policy where I would Read More...
Posted on May 26,2006

If you are renting a house and the owner's insurance does not allow certain breeds of dogs, is there any way to get insurance that will allow you to have that breed of dog? It is not a city ordinance; it is just the insurance company that will not allow Read More...
Posted on May 26,2006

If my father had insurance for me, when he dies would I be notified about the policy?   Answer: Unfortunately, no. It is up to you and your father to make sure that you have the policy and that the insurance company is notified of any pertinent Read More...
Posted on May 26,2006

If my nephew drives my car will he be insured if I have full coverage?   Answer: It depends completely on your policy. Most policies have some restrictions on which you can lend your car to, and the primary restrictions have to do with age. I would read Read More...
Posted on May 26,2006

I will soon go on Medicare and I am taking both A and B plans. I plan to keep my insurance with my home state, where I retired as a public school teacher. When I go on Medicare my state insurance plan becomes secondary. Of course, I am receiving much Read More...
Posted on May 25,2006

We are looking to obtain storage unit contents insurance. None of our local insurance agents carry this. Where can I get information on this?   Answer: Did you ask your self-storage company if they could recommend an insurer to you? Many storage Read More...
Posted on May 25,2006

Do all insurance companies have the same deductible amount? If not, what is the highest amount for an insurance deductible?   Answer: The highest amount for a deductible would depend on the insurance company. Most companies would offer some of the Read More...
Posted on May 25,2006

We are moving to Switzerland in two weeks. I have a diamond engagement ring I would like to insure. My insurance company told me that they couldn't continue to insure my ring outside the US. What should I do?   Answer: I'm sure you can buy insurance for Read More...
Posted on May 25,2006

In California, can an insurance company turn you down for insurance if you have not been diagnosed with a disease, but are told to keep an eye on something in case it may turn into a problem?   Answer: Each insurance company will have their own Read More...
Posted on May 25,2006

Recently an insurance rep that works at a bank doing various investments for clients solicited me. He said he wanted to see me about my account. After he gave a spiel how the market is down, but my funds are up, he changed gears and started a pitch for Read More...
Posted on May 25,2006

I have opened a boarding kennels for dogs and am looking for building, contents and pet insurance to cover the animals when in my care. Could you recommend any company?   Answer: We don't recommend companies through InsuranceGuide101.com. We do provide Read More...
Posted on May 25,2006

I recently moved into a condo in Florida and I wanted to fix my apartment before I purchased insurance. I painted and put new carpet in, but before I could even have the carpet stretched and seamed, my neighbor upstairs had a kitchen faucet leak and my Read More...
Posted on May 25,2006

If one of your suppliers has a fire and it affects your business does business insurance cover this?   Answer: You'll need to check your policy to see if you have any sort of "business continuation" coverage. That might provide you with some insurance in Read More...
Posted on May 25,2006

What are my options if my daughter needs a biopsy, but I do not have any health insurance on her and I do not qualify for Medicaid? Are there any insurance companies out there that are willing to insure her knowing this condition?      Answer: This is a Read More...
Posted on May 25,2006

I am currently looking for a non-owners automobile policy. I just don't own a car, but do occasionally drive. Can you offer any assistance, information or advice?   Answer: Non-owner car insurance is really the same as getting an "umbrella" liability Read More...
Posted on May 24,2006

The property manager for the home my son is renting is insisting he purchase renters insurance. In addition, he (the property manager) wants his name added to the policy. Since renter's insurance covers the personal belongings of the renter, this makes Read More...
Posted on May 24,2006

Do you have any guidelines on how much insurance to carry on my house? It is fully paid for. Should I carry full replacement? Or is it reasonable to carry a lesser amount?     Answer: This is a great question. It depends a lot on the amount of risk you Read More...
Posted on May 24,2006

My son is stationed with the army in Europe. He wants to buy a new SUV. He was quoted insurance rates through USAA that seemed to be extremely high. Are there any competitive US auto insurers doing business in Europe? He plans to return to the States in Read More...
Posted on May 24,2006

I am new to Canada. As per government rule, I have to wait 3 months to get health insurance. I want to apply for private health insurance for my family till that period ends. What can I do?   Answer: You can get private health insurance in Canada. Your Read More...
Posted on May 24,2006

My husband just turned 82 and is a veteran of WW2. He did not sign up for Medicare when he was eligible and now finds the cost to do so is prohibitive. Can you suggest where he might find the best deal on insurance? He is already covered under his Read More...
Posted on May 24,2006

I don't see the topic of insurance for camera equipment used professionally. Our renter's insurance will not cover it if it is used commercially. Can you point me in the right direction?     Answer: In effect, if you are using the equipment Read More...
Posted on May 24,2006

I have a figurine collection and need to find an insurance company that specialize in covering collectibles.    Answer: This website has a section on insuring unique and valuable personal possessions. As for finding an insurance company to insure your Read More...
Posted on May 24,2006

My car was recently hit in a parking lot in a hit-and-run. If I report this to my insurance am I responsible for a deductible? Will the incident be included on my motor vehicle record and be considered a claim and therefore an accident, increasing my Read More...
Posted on May 24,2006

What type of insurance does a dance troupe need?     Answer: I would recommend that you speak with other performing groups to find out what kind of insurance they have. Having said that, I would think that you need insurance for your performers in case Read More...
Posted on May 24,2006

Do you know of any insurance company that covers underground oil tank insurance policy for a residential home?   Answer: We don't recommend individual companies to readers of our site. However, here's what I know about getting underground oil tank Read More...
Posted on May 23,2006

I manage a small business. We manage two broadcast towers. Our local insurance agent cannot find anyone who will write liability insurance for us, except at rates that assume that we are involved in the risky business of climbing these towers. We do not Read More...
Posted on May 23,2006

My husband needs insurance to do some landscaping for our new home construction. Basically, he is now at the point where he needs to remove trees for the local power company to put power down the road. This road has no homes or overhead wires; however Read More...
Posted on May 23,2006

Can you explain what a "deductible buyback" means? We have a loan that is covered under a condo master policy. The flood coverage shows that they have a "flood deductible buyback" and we are not sure what that means.   Answer: It means that for an Read More...
Posted on May 23,2006

At age 38, I took out a policy for retirement. I was to pay a certain amount monthly and pay for 20 years. When I reached 65, I would receive an amount each month, but if I waited until age 70 then I would receive more per month. After paying for 15 Read More...
Posted on May 23,2006

I plan to be buying a 1995-1997 M3 BMW at the first of the year. With that in mind, I know that the insurance rate per month is going to be horrendous because of my young age. My question is this: do you know of any insurance companies for which I can Read More...
Posted on May 23,2006

I was wondering if a legally blind person who owns a car can get insurance? I heard that if you only have photo ID and NOT a driver's licence you cannot insure a car.   Answer: A very interesting question! As far as I know, you can get insurance to cover Read More...
Posted on May 23,2006

I need to insure household goods that are in climate-controlled storage. The storage company does not provide insurance. What kind of insurance do I need and where do I get it? Is it the same as renters insurance?    Answer: I would definitely look into Read More...
Posted on May 23,2006

I am working with a loan company and they are requiring loan insurance through another company called XYZ Insurance. I can't find any information about XYZ and I am sceptical because they want me to wire $1800 to them, for this insurance, before they Read More...
Posted on May 23,2006

Would trip insurance cover cancellation or delay of a flight because of a strike or labor shortage? What would be the defining limitations on such a policy?   Answer: Most trip cancellation insurance limits the conditions under which a claim would be Read More...
Posted on May 23,2006

I would appreciate receiving a list of those agents doing  business on the Treasure Coast. Answer: I found the Allianz site, but they don't provide a list of agents. However, they do have a "contact us" page at Read More...
Posted on May 22,2006

Do you know the name of the business that is now responsible for the liabilities of the Welfare Insurance company?  I have a small deferred annuity which becomes payable shortly and do not know whom to contact and can find no trace of the business when I Read More...
Posted on May 22,2006

Need quote for a farm in Nebraska.   Answer: I did a quick search with the words "farm insurance nebraska" and found a number of websites for insurance companies in your area. I also found a site that lists insurance companies and insurance brokers in Read More...
Posted on May 21,2006

I have a group annuity contract certification with Paul Revere Variable Annuity Ins. Co. since July 2, 1982. The contract owner is Boca Raton Community Hospital. I want to change the beneficiary as my husband died this past year. What is my procedure?   Read More...
Posted on May 21,2006

My wife and I are getting separated. Right now we have two cars, both on the same policy. She is moving to another state with one of the cars. Will she have to get insurance in that state? Will it matter that my name is on the registration?   Answer: You Read More...
Posted on May 19,2006

When we bought our home, we purchased the typical homeowners insurance policy. We also purchased a separate policy to cover the major systems in the house (electrical, plumbing, air conditioning/heating) to be repaired or replaced as needed. This policy Read More...
Posted on May 19,2006

My state does not have FAIR Plan and we are now considered high risk because of too many major claims filed. I have looked on the internet for days and spoken with several insurance companies and nobody wants to provide us with homeowners insurance. What Read More...
Posted on May 19,2006

Is there a rider that can be attached to our homeowners insurance that will cover the replacement cost should the company that manufactures the paint go out of business or default in some way? This type of product comes with a 25-year (in house) full Read More...
Posted on May 19,2006

Do you provide or know of a service that can provide listings of all insurance companies allowed to write policies in a state, along with the type of policies they are allowed to write and any rate information?   Answer: Contact the insurance Read More...
Posted on May 19,2006

All I want to do is to find an insurer that will cover the value of my household goods while I drive the rental truck and trailer across the US.   Answer: My suggestion is to get such "contents" insurance from the truck rental company. Given that Read More...
Posted on May 19,2006

In general, all other factors being equal, does car insurance cost more if it's used in a business? Answer: Yes. You will likely pay more for insurance as soon as a vehicle is used for business purposes. 0 comments Read More...
Posted on May 19,2006

I was hoping to find some coverage for maternity. Unfortunately, my insurance will not cover me for 2 years. Is there such a thing as maternity coverage only?   Answer: Unfortunately, not that I know of. If I were you, I would consider finding a discount Read More...
Posted on May 19,2006

Does homeowners insurance cover roof leak damage? Answer: It depends on whether your individual policy covers that kind of damage. Be sure to check the fine print. In most cases, the answer would be yes, but every policy can be different. 0 comments Read More...
Posted on May 19,2006

I recently bought an electric golf cart. Does my homeowners insurance cover this or do I need a separate policy? I live on a golf course and use it to visit neighbors as well as play golf   Answer: You will have to check the fine print on your Read More...
Posted on May 19,2006

I am looking for insurance that would cover my dogs, cats, potbelly pig and horses.   Answer: You might want to look at "farm" insurance that would cover livestock and animals. Such insurance should cover your potbelly pig and horses. Check any insurers Read More...
Posted on May 19,2006

We are looking to purchase insurance for our Locksmith Service Business. What we are mostly interested in is Liability Insurance for Errors & Omissions.  We would be sincerely grateful for any info you could give us.   Answer: Errors and Omissions Read More...
Posted on May 19,2006

We have intentions of setting up adventure and nature tours. Do we need to have insurance coverage for this type of business? If so, what kind of insurance coverage are we looking at?   Answer: Without question you will need at least liability insurance Read More...
Posted on May 19,2006

I miss quite a bit of work due to migraines that I suffer from severely. I am looking for some type of insurance that will pay you when you miss or are off work. My company does not have sick pay, so when I'm off I do not get paid for it. Is there a Read More...
Posted on May 19,2006

I am a leasing manager for rental homes. A prospective tenant wishing to rent one of our homes has four show dogs. Our main concern is possible damage to the home caused by the dogs. Is there such a thing as Pet Damage Insurance that these tenants can Read More...
Posted on May 19,2006

I am looking to start a dog-pampering type of business. I wanted to know what types of insurance I'll need and how much insurance I'd need to get. I don't have any kind of experience with this kind of thing.   Answer: We have a section on this site about Read More...
Posted on May 19,2006

My upstairs neighbor's supply hose burst and caused massive water damage to my ceilings, walls and floors in my main level and basement. I have condo insurance as does my neighbor. The condo association says that it is our responsibility to pay for the Read More...
Posted on May 19,2006

I drive a 1998 Toyota Sienna. In August/September of last year the motor blew out. I took the van to a certified mechanic. The mechanic replaced the motor with a new one. After the work was completed I started having other problems with the van. I Read More...
Posted on May 19,2006

Can you please tell me where one can buy insurance for artwork? More specifically, a gallery wants to display an artist's work, but wants the artist to provide insurance for the pieces while they are exhibited there.   Answer: If the artist were to Read More...
Posted on May 19,2006

We have co-signed on a car loan with our adult son who is now behind in his payments because of losing his job recently. He has also just told us that he does not have any insurance on the car and can't come up with any money to buy it right now. He has Read More...
Posted on May 19,2006

I am trying desperately to get a phone number for the Connecticut General Life Insurance Co. that is not an 800 number  that gives you a representative in India or some such place.  I have searched the web for some type of number, but have come up Read More...
Posted on May 17,2006

I have found a policy that my husband and I took out on our son in 1964 when he was born. We are not sure if we cashed it in when it was paid up or not.  How can we find out?   Answer:  As far as I know, your best bet is to contact the insurance company Read More...
Posted on May 17,2006

I am looking for an insurance policy that was held on me, that my father took out before he passed away. Answer: You've given me your name and your father's name, but I can't do this search for you. You'll have to verify your identity and your right to Read More...
Posted on May 17,2006

What type of information should an insurer be asking prospective buyers of auto insurance?  Is it appropriate for them to want my social security number and credit report?    Answer: Most insurers today will want your credit report. It is used as a Read More...
Posted on May 17,2006

My husband recently found an insurance policy from Continental Life, executive office-Washington, DC. It was taken out at his birth 55 years ago. I need some contact info on this company. Answer: This could be tough, given the amount of time that has Read More...
Posted on May 17,2006

I need a list of AARP's Health Care Options Dental, and Vision Doctors, and Pharmacies in Orlando, FL 32828. Answer: According to the AARP website, you can choose your own dentist in Florida! If you aren't sure about that, check the website at Read More...
Posted on May 17,2006

I am presently a holder of Condo package from a company in Richmond/Vancouver, BC. My problem is that our condo bylaws are changing and will be downloading responsibility to individual owners for accidental water damage caused by leaky hoses, etc.  I've Read More...
Posted on May 17,2006

Could you please help me find a telephone number or contact informatin for "PENN TREATY" or "PENN TREATY CORP"? My mother in-law has the insurance, and we need to get in touch with them. Answer: I frequently get questions like this, so let me pass on Read More...
Posted on May 17,2006

I am having a problem with XYZ Company. Do you know the name of the Insurance Commissioner for my area?   Answer: You can usually find the name of the insurance commissioner for your state by heading for your state's website. In most cases, you should Read More...
Posted on May 17,2006

I am very upset and concerned that I was recently turned down for a disability insurance policy offered by my employer. I have some minor health problems, which I disclosed as requested. I discussed these in more detail during a phone interview with the Read More...
Posted on May 17,2006

   I have recently begun renting a condo. The condo board has insurance to cover all of the exterior; however, we have been asked to purchase insurance for the interior in the event that a pipe was to burst and damage was caused to our neighbour Read More...
Posted on May 17,2006

I have a business policy where payment is due on this Sunday and it is due to be cancelled unless payment is received that day. I've just realized this and today is Saturday. I cannot reach my insurance company or agent due to it being the weekend and Read More...
Posted on May 17,2006

  My husband and I have inherited the house that belonged to his parents. It is in need of some major renovation, which is in progress. It is located 2 minutes from our current residence and we work on it almost daily. However, until we reach a Read More...
Posted on May 17,2006

I am an artist and I am right handed. I make a good living doing what I do and I am interested in insuring my arm. As ridiculous as it sounds, if I were to lose the use of it I'd be out of business. Is this possible and if so, what insurance company Read More...
Posted on May 17,2006

I have home insurance coverage on the structure of a rental home. At this time, I was getting ready to move into it when I noticed that the ceiling and structure is failing. Outside, the bricks are split from what looks like settling. I'm not sure if I Read More...
Posted on May 17,2006

If a car is considered totalled by the insurance company, how does the insurance company come up with the amount they pay you?   Answer: Generally, the insurance company will use the "book price" or some version of that, when deciding what to pay you for Read More...
Posted on May 17,2006

I live in a condo and there was a roof leak that caused mold to form on my wall. My insurance agent said that the condo association is responsible for repairing the damage and my insurance won't cover the damage. He said it is a Florida law. Is there Read More...
Posted on May 17,2006

Please give me a listing of auto insurance companies that do not use a credit score to determine my rate.     Answer: This question gives me an opportunity to talk about two things: Most insurance companies use credit scores as part of their process of Read More...
Posted on May 17,2006

My current short and long-term disability insurance company dropped two of my employees because they only work 20 hours a week. Their requirement is 30 hours per week and they won't change that. My broker is struggling to find someone that does permit Read More...
Posted on May 16,2006

How do I know if flood insurance is needed where I live? I have a policy, but is it required?   Answer: There are a number of steps you can take to determine if you want to have flood insurance or not. You can check with your local municipality to see if Read More...
Posted on May 16,2006

I've been appointed executor of my mother's deceased estate. Is there such a thing as insurance for executors?     Answer: As far as I know, this type of insurance hasn't yet been developed as a product for mass marketing per se. However, I would think Read More...
Posted on May 16,2006

I just got a German Shepherd. My new insurance policy has been cancelled. Why?   Answer: It would seem that your insurance company deems this breed of dog "high risk" for insurance purposes. You will likely have to find another insurer – or another dog. Read More...
Posted on May 16,2006

I have been told that there are some insurance companies that will not cover you if you have a particular breed of dog. I know this is true to homeowners insurance but is it true to renters insurance and if so what breeds??   Answer: This is absolutely Read More...
Posted on May 16,2006

I have a person here who was previously insured. He allowed his insurance to be cancelled after an NSF check. (He did not make good after the check). He did not need to drive for a year and a half and did not bother to follow up. Now he wishes to insure Read More...
Posted on May 16,2006

In my coverage outlines, the car value is termed "actual cash value." What does this mean in understandable terms? Is condition and mileage taken into consideration? Is it the price in any of the market guides or is the price determined by what a dealer Read More...
Posted on May 16,2006

On my home policy it says that I am covered for unlimited loss of use. Does this mean my home will be replaced at whatever the replacement cost is?   Answer: No. "Loss of use" refers to coverage to compensate you, the insured, for the loss of use of your Read More...
Posted on May 16,2006

I live in a mountainous area of the northeast, not a flood plain, and have no flood insurance. The downstairs portion of my house has been completely covered in water after all the recent rain. My home and contents suffered extensive damage. The adjuster Read More...
Posted on May 16,2006

Does an insurance provider have a duty to ensure that you purchase the right type of home insurance policy for your dwelling type? For example, must they make sure you are insured for your pool or farm? Do they need to confirm if you have renters?   Read More...
Posted on May 16,2006

I was recently in a minor car accident: I was in a very busy parking lot and collided with another vehicle. The front right-hand side of my car incurred a small dent and the other vehicle's front left side is slightly dented and the light is broken. I Read More...
Posted on May 16,2006

I have Multiple Sclerosis and I am thinking that I should have insurance because I may end up in a nursing home. I am 25 now, but I am concerned that I won't even be considered because I have MS. Do you know if I can get coverage and, if so, are there Read More...
Posted on May 16,2006

I have been residing in one city for the last three years and expect to be living here for one more year. I own a condo in another city that has been vacant for this whole period. I have a daughter who lives near the condo and who checks it three times a Read More...
Posted on May 16,2006

Just a few days ago, we had a house fire. It gutted our home. The fire dept didn't determine a cause so my insurance company came with its own investigators. I am now told it will be 3 weeks till they determine how it started. In the meantime, my Read More...
Posted on May 16,2006

Do homeowners who have paid for homes with no mortgage have to pay for flood insurance? Do rental homes have to have flood insurance?Answer: It is not compulsory for you to have insurance of any kind, once your mortgage is paid. There is no government Read More...
Posted on May 16,2006

Do all insurance companies charge a penalty if you cancel before the term is up? What is the percentage that can be charged?   Answer: While there is no consistent maximum percentage that can be charged, there is usually some kind of cost to you if you Read More...
Posted on May 16,2006

I am looking to purchase Renter Insurance, but I need to know if there is anything I could purchase that will include "mishaps" with a pet? I know that there is Pet Insurance, but I would like to have something that will include either theft of the pet Read More...
Posted on May 16,2006

Does basic car liability insurance cover medical expenses of passengers in your car if you are in an accident that is your fault?   Answer: Your liability coverage will cover the medical expenses of passengers, up to your liability coverage limit. It Read More...
Posted on May 16,2006

We are setting up a LLC to do business online. Our plan is to set up a website on which we will sell articles, information and previews of upcoming sporting events, written from a sports bettor's perspective. The articles written will be for Read More...
Posted on May 16,2006

What is the policy on dog liability insurance? Does homeowner insurance cover dog liability, and if it does, are there only certain types of dogs covered?Answer: Every insurance company will have their own policy on insuring dogs. Some insurance policies Read More...
Posted on May 16,2006

I am in the process of buying a weekend home. Is it true that a second home cannot be insured for theft? Is it also true it cannot be covered for water damage?   Answer: A home is a home. A second home can be insured for everything that your primary Read More...
Posted on May 7,2006
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